How to unlock a locked Shanghai Pudong Development Bank credit card

Hello, if the cardholder’s Shanghai Pudong Development Bank credit card is locked, if it is locked due to overdue payment, the cardholder needs to pay off the outstanding debt first. Make the payment, then call Shanghai Pudong Development Bank’s credit card customer service hotline 400-820-8788, and then transfer to manual service to apply for unlocking.

After the cardholder enters the wrong password three times in total, the credit card will be locked. When the card is locked, the cardholder calls the Pudong Development Bank credit card customer service hotline and is transferred to manual service. After the customer service specialist checks the cardholder's information, he or she will reset the query password.

ICBC’s handling method: If the cardholder enters incorrectly three times in total, the cardholder will be locked. After being locked, the cardholder needs to bring the credit card and his or her valid ID card to the local credit card center to go through the unlocking procedure.

Bank of China’s processing method: When the cardholder enters the wrong password three times in total, the Bank of China Credit Card Center will automatically unlock it after 24 hours.

What is the Shanghai Pudong Development Bank credit card? What are its advantages and disadvantages?

The Pudong Development Bank Credit Card is pretty good. Pudong Development Credit Card is a standard dual-currency Visa credit card issued by Shanghai Pudong Development Bank. It enjoys a variety of discounts and can even apply for a photo card for free.

Now, based on the basic functions, Pudong Development Credit Card’s security measures for credit card use involve all aspects before, during and after the event. It has designed six layers of protection measures, including the earliest in China. The launch of free text messages, photo cards, priority dispute processing and other security features, and the unique 24-hour anti-fraud function can provide timely warnings for suspicious transactions around the clock and take preventive measures in advance. in addition.

Credit has many functions and advantages, which can be summarized as follows:

1. It facilitates people’s lives and saves the trouble of carrying cash, and there are no geographical restrictions when using credit cards. No matter where the card is swiped in the country, as long as it has the UnionPay logo, it can be swiped without any fees.

2. You can participate in various preferential and discount activities cooperated by merchants and banks, and you can enjoy a variety of discounts when spending money at merchants that cooperate with banks.

3. Value-added services. Various credit cards launched by banks come with some value-added services. At present, the services launched by various banks can be divided into seven categories: cash returns, lottery draws, shopping discounts, free insurance, travel services, personal financial reports and other value-added services. These are the additional benefits that credit cards bring us.

What should I do if my Shanghai Pudong Development Bank credit card is restricted?

With the popularity of credit cards, many people have applied for credit cards, and one of them chose Shanghai Pudong Development Bank to apply for a credit card. However, credit cards have many rules for use. If the credit card is used without complying with bank regulations, Banks may restrict cardholders' spending. So why is Shanghai Pudong Development Bank credit card restricted?

1. Overdue records occurred when using Shanghai Pudong Development Bank credit card or overdue records occurred on other credit cards or loan platforms.

2. Use Shanghai Pudong Development Bank’s credit card to cash out. Cashing out with a credit card is an illegal operation, and consumption will be restricted if discovered by the bank;

3. If the credit card is not used after it is approved. In other words, the credit card does not have any credit card swiping records and may also be restricted.

4. If your Shanghai Pudong Development Bank credit card is restricted, don’t panic. Cardholders should call the customer service hotline of Shanghai Pudong Development Bank to ask why their credit card has been restricted and express their desire to lift the restriction on their credit card.

The above are the reasons for restricting Shanghai Pudong Development Bank credit card and the solutions after being restricted. I hope this answer will be helpful to you.

How to remove credit card restrictions?

If it is a problem with the merchant's POS machine or payment order problem, the user can lift the restriction by changing the POS machine and swiping the card for consumption, or paying for other orders. If there are problems with the credit card itself, such as overdue or illegal use, which results in the card being subject to risk control, you need to pay off the overdue balance first, or submit relevant supporting materials, and only after passing the bank's review can the credit card be reinstated.

Therefore, credit card transactions are restricted, and users need to first check whether there is a problem with the card itself or during the transaction process.

Extended information:

Credit card unfreezing:

If the credit card you hold is frozen by the bank, then to unfreeze it, you must first find out whether the card has been frozen. The reason for the freeze can then be taken in a targeted manner.

For example, if a credit card is frozen because it is too overdue, it will be more difficult to unfreeze it. The customer must first pay off all the overdue balances, and then build up their credit after paying off the credit card. . Maybe after your credit is improved and the bank system evaluates it with a higher score, the bank will resume using the card. However, it may take a long time to maintain good credit. And unfreezing mainly depends on system audit, and manual intervention is not possible.

If the credit card is frozen due to suspicion of cashing out or bank risk control, the customer who has not cashed out can print out the recent transaction records of the credit card and provide the voucher to the bank to prove it. He did not cash out. The bank will check and determine that the account is not too high-risk, and will unfreeze the card.

If the credit card is at risk of being stolen, the bank may freeze the card. In this case, customers can directly call the bank to apply for unfreezing. Also, sometimes when a credit card is lost, the customer will actively apply to the bank to report the loss and freeze the card. If the card is found during the temporary loss reporting period, the customer can also directly request the bank to unfreeze the card and continue to use the card.

Credit card application conditions

The application conditions for credit cards of various banks are similar. The basic application conditions are as follows:

1. Age of the applicant

Main card Applicants must be over 18 years old, and the maximum age limit varies by bank. For example, the maximum age limit is 60 years old for China Merchants Bank, CITIC, and Shanghai Pudong Development Bank; 65 years old for Guangfa, Bank of Communications, Minsheng, Ping An, and Huaxia; and 70 years old for China Construction Bank.

Applicants for supplementary cards are generally 16 years old or above. Among them, China Merchants Bank and Agricultural Bank of China require 14 years of age or above, while Minsheng Bank and China Construction Bank require 13 years of age or above.

2. Personal financial strength

Applicants must have a stable job and legal income, and have a certain ability to repay.

3. Credit report status

The personal credit report is good and there is no bad credit record, especially no credit cards, overdue loans, cash out, etc.

Of course, these are the most basic conditions. Even if you meet these conditions, you may not be able to pass the approval 100%. In addition, some card types require special conditions, such as assets reaching a certain scale, etc.

Credit card blacklist elimination:

Credit card blacklist means that there are bad records on the credit record that prevent you from applying for a credit card. Eliminating the credit card blacklist means eliminating bad personal credit records. Elimination can be done in two ways.

1. Go to the central bank to apply to eliminate erroneous records: If the bad record information on the personal credit report is entered incorrectly, you can go to the local central bank to apply for cancellation. Usually, it can be resolved within 10 working days after the application is accepted. .

2. Automatic elimination of bad records: If a credit card has been overdue before, resulting in bad records on the personal credit record, then if all the debts have been paid off, the bad records will be eliminated after 5 years. will be automatically eliminated.

Can a frozen Pufa credit card be unfrozen?

If your credit card is frozen because you have not paid it back for a long time, wait for a while after you pay off the debt. If you have good credit, you can apply to the bank for unfreezing. Most of the time, the unfreezing can be successful. Frozen due to card abnormality If your credit card is frozen due to abnormal circumstances, such as the card being lost, then after you find the card, you can apply for unfreezing. Unfreezing is very easy.

Deposit freezing means that the bank restricts the use of the deposit (account). It is roughly divided into: no collection, no payment, only collection but no payment (only collection but no payment), partial freezing (for example, 100,000 is partially frozen, and only the deposit exceeding 100,000 can be used).

The reason for freezing is generally that the judicial authorities, taxation, customs and other competent authorities of the country go to the bank to issue relevant official letters for processing, and there are also reasons why the customer handles some business at the bank such as a letter of guarantee (signing an agreement with the bank). Credit card applicants can be divided into entities and individuals. Applicants should be institutions, enterprises and business units, foreign-funded enterprises and individual industrial and commercial households with independent legal person status in my country. Each unit applying for a credit card can receive a main card and multiple (5-10) supplementary cards as needed. To apply for a credit card, an individual must have a fixed occupation and a stable source of income, and provide a guarantee to the bank. The forms of guarantee include personal guarantee, unit guarantee and personal capital guarantee.

The application method is generally by filling in a credit card application form. The content of the application form generally includes the name of the applicant, basic information, economic status or source of income, guarantor and his/her basic information, etc. And submit certain copies of documents and certificates to the card issuing bank. After the customer fills in the application form truthfully according to the content, the customer must also submit the relevant credit certificate while submitting the completed application form. The application form is accompanied by a credit card use contract. The applicant authorizes the card-issuing bank or relevant departments to investigate its relevant information, and submits a statement of the authenticity of the information, the card-issuing bank's privacy protection policy, etc., and must have the applicant's signature. Usually, the bank will judge whether to issue a credit card to the applicant based on the application information and various aspects of the applicant's information and financial situation. Factors considered include the applicant's past credit record, the applicant's known assets, professional characteristics, etc. The specific factors and processes reviewed by the card issuing bank are commercial secrets and are generally difficult for outsiders to understand. The standards of each card-issuing bank are also different. Therefore, the same materials may be issued with different credit limits and different types of credit cards in different banks. Some banks may even approve the application, while others may reject it. .

How to resolve the abnormality of Shanghai Pudong Development Bank card?

The Shanghai Pudong Development Bank card status is abnormal, such as account freeze, fund freeze, transaction restriction, non-counter channel transaction restriction, etc. The lifting method is as follows:

1. If there are suspicious transactions in the account, To ensure the security of the account, the account will be temporarily frozen. The cardholder goes to the branch to unlock the card.

2. If the certificate reserved by the cardholder at Shanghai Pudong Development Bank has expired for more than 90 days, and there is no transaction record on the card within 180 days, transactions through non-counter channels will be restricted. Cardholders can update the validity period of their certificates through the mobile banking APP or at a business outlet.

3. The debit card has expired and related transactions will be restricted. Cardholders need to apply for a new card again.

4. If the cardholder applies for issuance of a deposit certificate, the corresponding funds will be frozen during the issuance period and will be released naturally upon expiration.

5. If the customer information reserved by the debit card does not meet regulatory requirements, it will be temporarily frozen. You need to bring your valid ID to the branch to verify and update the account opening certificate information.

Applying for a bank card

1. The process of applying for a credit card and a debit card is different. When applying for a credit card, you need to bring your valid documents (ID card or copy of ID card or household registration book or copy of household registration book), proof of residence, proof of unit income or proof of personal assets and other materials to the bank counter to go through the relevant procedures and fill out the application. Form, the information filled in must be true. After filling out the application form, it must be filed with the head office of the account opening bank. After the head office of the account opening bank reviews the application materials, it will take about 20 working days before the card can be issued to the customer. Credit cards are only available to customers who are 18 years of age or older. Minors are not allowed to apply for credit cards.

2. Applying for a debit card is relatively simple. You only need to bring your valid documents (ID card or household registration book) and fill out the application form at the bank where the account is opened. The card can be issued to the applicant at that time. There is no age limit for debit card application, and minors can also apply.

When customers under the age of 16 apply for a debit card, their guardian must hold the account book (if they are not in the same account book, relevant certificates must be provided) to the bank branch counter to apply for it. The person being processed does not need to be present; if the customer is over 16 years old, If minors under the age of 18 are already working, they can go to the bank counter with their work certificate and ID card to apply for a debit card on their own. If they are not working, they still need the assistance of their guardians, and the person being processed does not need to be present; Applicants who are 18 years old or above can directly go to the counter of a bank branch or a self-service card application machine with their ID card to apply for a debit card, and get it immediately. According to national regulations, debit cards issued by minors do not have online banking functions and cannot be bound to mobile payment software.

How to unblock a frozen Shanghai Pudong Development Bank credit card?

The reasons for the freezing of Shanghai Pudong Development Bank's credit cards are different, and the solutions taken are also different. The following are the different reasons for the freezing of Shanghai Pudong Development Bank's credit cards. Solutions:

1. Freeze after incorrect password entry: If the credit card is frozen due to multiple incorrect password entries, just call the Shanghai Pudong Development Bank credit card customer service hotline at 400-820-8788 and transfer the request to manual customer service Just defrost.

2. Credit card is frozen due to overdue: If the credit card is frozen due to overdue, the overdue amount is not serious, and the overdue amount is not large, you can handle the credit card unfreezing procedure through the hotline or bank counter. However, overdue credit card may be frozen. was derated.

3. Suspicion of cashing out: If your credit card is frozen due to suspicion of cashing out, you can unfreeze it by calling the bank to explain the situation. However, if there is indeed a violation of cashing out after verification, it is basically impossible to use it again. thaw.

4. Abnormal credit card consumption: If the bank finds abnormal credit card consumption, such as multiple purchases in different cities within a few days, the bank will suspect that the user's credit card has been stolen, so it will freeze the credit card and verify that it does not exist. It will be automatically unfrozen after abnormal consumption.

Brand introduction:

1. The Credit Card Center of Shanghai Pudong Development Bank (referred to as "Shanghai Pudong Development Bank") was established in January 2004. It is a direct subsidiary of Shanghai Pudong Development Bank specializing in credit card business. operating organization.

2. The product service system of Shanghai Pudong Development Bank Credit Card Center includes: a credit card product that can be customized by users - Pudong Development Dream Card; cooperation with popular domestic and foreign institutions and brand IPs such as the Forbidden City, Barcelona Football Club, and Zhuxiaofi , cooperates with the aviation industry, hotel industry, department store industry, communications industry, Internet platform and other industries to launch co-branded theme credit card products; jointly issues high-end cards with rich rights and interests with VISA, American Express, MasterCard International and other domestic and foreign card organizations product.

3. The Shanghai Pudong Development Bank Credit Card Center has launched "Dream Enjoyment Club", "Xiao Pu Huihua" and other credit card discount platforms, and launched a marketing activity system such as red envelopes, movies, miles, and hotels.

The Shanghai Pudong Development Bank Credit Card provides mobile service platforms such as the Pudong Development Bank APP.

This is the introduction of how to remove restrictions on the Pudong Development Bank Credit Card.